First Party Insurance Claims

First-party insurance claims are those that occur directly between a policy holder and their insurance company. For example, an individual with homeowner’s insurance, uninsured motorist, or personal injury protection coverage would file a claim against their own insurance carier. If the claim is honored, the insurance company will then compensate the policy holder according to the specific terms that were laid out i the policy.

Knowing the terms and coverage under your insurance policy is extremely important. Simply trusting that the insurance company is right when they choose to deny your claim may be a huge mistake. In order to save money, they often deny your claim for a variety of reasons that may not be valid. If they do this, they may be acting in bad faith and breaching the contract that they made. You may have cause to take legal action and fight for the compensation that you are rightfully owed.